I received a confirmation of approval from this credit card company and when I received my card, decided I did not want to have any more credit cards at this time.I did not activate that card nor did I make any purchases.I cut the card up the moment I opened the envelope. I am being sent a bill for charges for activation and annual fees when the card was never activated.I have no way of activating the card either, as I cut it up into about a hundred pieces as soon as I received it. What course of action do I take so this will not ruin my credit?